UK CMA proposes requiring Apple to open iPhone contactless payments to Apple Pay competitors

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The UK Competition and Markets Authority (CMA) is consulting on a proposal that would require Apple to provide third parties with access to the on-device Secure Element and host card emulation (HCE)-based access needed for contactless payments on iPhone. The CMA also proposes using charging principles to ensure that access fees are significantly lower than Apple’s current charges, while providing fair compensation to technology users; the consultation will close on 2026年11月17日. The proposal could also support account-to-account payments and open banking payments via a contactless interface.